Jul 19 2015, 07:17 PM
QUOTE(polarzbearz @ Jul 19 2015, 12:59 PM)
1. Annual Income: RM36K to RM60K
2. Free Lifetime Annual Fee: A Must
3. Card required for: Cash Back/Rebate for Petrol, Online Transactions (Bills), Online Overseas Transactions (Online via Steam / etc.), Sometimes Physical Overseas Transaction (trips)
4. Existing credit cards if any: MBB2Card, Citi Clear Card.
5. Looking at CC from: No Idea
6. Others: I want to maximize the potential cash back per month. Previously I am able to achieve all of the above cash back categories with only MBB2Card but with the recent 1 Aug implementation (removal of 5% CB), guess I gotta need multiple cards to do the above. Monthly spending for above is usually within 800 ~ 1200 only. Some months the spending (Overseas) will exceed 5k, only for business trips. Breakdown of common expenses monthly:
- Bill ~250
- Petrol ~250~350
- other spendings are as-and-when (i.e. swipe on behalf) to achieve 1k cashback cap / business trip spendings.
Based on your spending, you're potentially save 10% by using HLB Wise. Just make sure that each transaction is RM50 and 10 times2. Free Lifetime Annual Fee: A Must
3. Card required for: Cash Back/Rebate for Petrol, Online Transactions (Bills), Online Overseas Transactions (Online via Steam / etc.), Sometimes Physical Overseas Transaction (trips)
4. Existing credit cards if any: MBB2Card, Citi Clear Card.
5. Looking at CC from: No Idea
6. Others: I want to maximize the potential cash back per month. Previously I am able to achieve all of the above cash back categories with only MBB2Card but with the recent 1 Aug implementation (removal of 5% CB), guess I gotta need multiple cards to do the above. Monthly spending for above is usually within 800 ~ 1200 only. Some months the spending (Overseas) will exceed 5k, only for business trips. Breakdown of common expenses monthly:
- Bill ~250
- Petrol ~250~350
- other spendings are as-and-when (i.e. swipe on behalf) to achieve 1k cashback cap / business trip spendings.
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